Who is "FSTR RMS RET" on an credit report in Waukegan Il 60079 and
what is thier phone number.

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Request for Question Clarification by vercingatorix-ga on 20 Nov 2002 15:08 PST

Can you specify which credit-rating agency gave you this notation?
That would make a big difference in whether or not somebody here can
help you.

The General

Hi there!

The abbreviation "FSTR RMS RET" on a credit report may not even be the
abbreviation for a company - it may be credit bureau internal notation
placed in the wrong spot on the report.  This is much more common than
you might think.

Obtaining the full name, address and phone number of the creditor is
question is easy, as long as you have your credit report.  Under
Federal law, specifically the Fair Credit Reporting Act, credit
bureaus are required to give you the full name, address and telephone
number of any creditor listed on your report upon your written
request.

(This same law prohibits them from giving out *any* information to a
third party - such as a Google Answers Researcher - for *any* reason. 
Even calling to ask "What does FSTR RMS RET on a credit report mean?"
will be met with refusals to divulge any information at all.  This is
a matter of Federal law, designed to protect your privacy and to
protect you from identity theft.)

To obtain the information you seek, you need to contact the credit
bureau directly, in writing.  Compose a letter explaining that you
want the full contact information for the item in question.  Include a
copy of your credit report with the questionable item circled,
highlighted or otherwise clearly marked.

Also include in your request: 
    * First, middle, and last name (including Jr., Sr., III) 
    * Current address 
    * Previous addresses in the past two years, if any 
    * Social Security number 
    * Date of birth 
    * Current employer 
    * Phone number 
    * Signature 
    
Since you didn't specify which credit bureau your report came from,
I've included the contact information for all three major credit
reporting agencies:

Equifax 
P.O. Box 740256  
Atlanta, GA 30374-0256
https://www.ai.equifax.com/ai/

TransUnion LLC 
Consumer Disclosure Center 
P.O. Box 1000 
Chester, PA 19022 
1-800-888-4213 
http://www.transunion.com/Personal/PersonalSolutions.jsp 
 
Experian 
P.O. Box 2002 
Allen, TX 75013 
1-888-397-3742 
http://www.experian.com/consumer/index.html#

Additionally, you might want to have a look at the Federal Fair Credit
Reporting Act, to help you understand your rights with respect to your
credit files and the information in them.  The first link is an
explanation of how the FCRA works, the second is to the text of the
law:

Fair Credit Reporting
http://www.ftc.gov/bcp/conline/pubs/credit/fcra.htm

Fair Credit Reporting Act
http://www.epic.org/privacy/financial/fcra.html

I hope this information is helpful to you.  If I can be of further
assistance, please don't hesitate to ask.  I'll be happy to help.

--Missy

Search terms:  [ creditor contact information ], [ credit report
information ] and [ Fair Credit Reporting ]

Nice explanation of why she did't know the the information (company
name and PHONE NUMBER)but of no help to me. I have contacted the
credit reporting company and all they have given me is PO box . I
don't have time to mail for an answer that is why I've asked for a
phone number . please repost to see if anyone else knows.

The abbreviation FSTR RMS RET is an abbreviation CREATED BY THE CREDIT
REPORTING AGENCY. They HAVE to know what it is, and they HAVE to tell
you what it stands for. It sounds like you got a customer service
representative who is not on the ball. You should try calling back,
and see if the representative that you get this time can tell you what
their abbreviation represents. IF THEY CAN NOT TELL YOU, ask them
politely but firmly to connect you with their supervisor. I would love
to call the credit reporting agency and get this information for you,
but I can not. THAT IS THE LAW.